India’s free digital payments revolution has upended how money moves — but not how fintechs make it. Now, Flipkart’s fintech arm Super.money is partnering with one of India’s top commercial banks, Kotak Mahindra Bank, to change that, bundling UPI payments, savings, and secured credit into a single account aimed at turning usage into profit.

The partnership aims to issue about 2 million secured credit cards in the next 12 months — roughly 60 percent to first-time borrowers — and 5 million within 2 years. Super.money, which already serves 10 million active users, expects the Kotak alliance to contribute around 10 percent of its revenue next year as it works toward profitability by 2026, chief executive Prakash Sikaria said in an interview.

India’s Unified Payments Interface (UPI), backed b

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